Best credit cards for online shopping

Points, miles, and cash back normalized onto one comparable scale by Flo's OneCard engine — so you see what you'd actually earn on online shopping, not marketing math.

Ranked by effective rate

1Ink PlusTop pickChase · $95/yr10%
2Crypto.com Obsidian (debit card)Metropolitan Commercial Bank · No annual fee8%
3AEO Connected Visa Credit CardSynchrony · No annual fee5%
4BuseyBank Visa Signature Max Cash Preferred CardElan Financial Services · No annual fee5%
5Crypto.com Icy White (debit card)Metropolitan Commercial Bank · No annual fee5%
6ExxonMobil Smart Card (store card)Citi · No annual fee5%
7Key2More RewardsKeyBank · No annual fee5%
8Max Cash PreferredChoice Bank · No annual fee5%

How we rank for online shopping

A "5×" card and a "3% back" card cannot be compared by headline number alone — points and cash are not worth the same. The OneCard engine converts every card's reward into an effective cash-back rate, so this ranking reflects real value on online shopping.

The rate shown is what each card earns on online shopping specifically, not its best category. Put your own monthly spend in and the order can change.

More categories

Best for dining
Best for groceries
Best for gas
Best for travel
Best for entertainment
Best for transit
Best for everything else

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